Further to SAMA's instructions issued under Circular No. 361000064350 dated 03/05/1436 H regarding ATM Cassette Swap, and Circular No. 351000009927 dated 22/01/1435 H regarding the period of inventory and replenishment of banks' ATMs, and Circular No. 27027/Akh dated 19/12/1424 H regarding the distribution of cash denominations in ATMs.

I hereby inform you that based on the powers of SAMA vested to it under the Saudi Arabian Monetary Authority Law issued by Royal Decree No. (23) dated 23/05/1377 H, and the Banking Control Law issued by Royal Decree No. (M/5) dated 22/02/1386 H, the following has been decided:

1. The ATM feeding and inventory period shall be every ten working days at most, taking into account cash estimates, the nature of the location and operational risks. 
2. The mechanism for distributing cash denominations when withdrawing from the machines (Dispense Logic) is based on the bank’s estimates, which must be based on the nature of the location and the customers’ needs. All internal ATMs of banks located in branches and transfer centers shall be feed with a minimum of three cash denominations (five hundred - one hundred - fifty), taking into account the disbursement of the three denominations to the customer when withdrawing cash. As for external machines located on roads, shopping malls, etc., they shall be feed with a minimum of two cash denominations, taking into account the disbursement of the two denominations to the customer when withdrawing cash. The distribution of cash denominations shall be re-evaluated six months after implementation by the General Administration of Branches and Cash Centers.
3. Banks are responsible for determining the mechanism for feeding of ATM machines, so that all cash boxes can be replaced when the machine needs cash, or it is sufficient to replace one of the cash boxes when it runs out, with the commitment that the box or boxes be prepared in the cash center and kept under dual supervision and camera surveillance, after the bank has established the necessary accounting mechanisms and procedures for this.
4.  Banks are committed to automating the ATM balancing procedures by creating an automated system for automatically balancing the machines, and in the event that this is not available, test cards must be used, which allow the feeding team to conduct a trial withdrawal after each feeding process to ensure that the cash categories are placed inside the boxes, and the commitment to use the administrative balance cards of the supervisor (Supervisor Card), which allows the ATMs to be matched by the feeding team at the cash centers at the time without waiting for the devices to be matched by the bank's support departments.
5.  Banks must address errors in reversing the boxes resulting from the feeding of ATMs, as well as cases where the customer receives sums of money as a result of a technical or human error, according to their discretion, and they bear the responsibility for proving the error in the event that the customer objects to their procedures.

For review and action as of its date, SAMA will conduct field visits to verify compliance with these instructions, and in case of any inquiries in this regard, the Advisor to the Deputy Governor for Financial Sector Development can be contacted.